KR102589317B1 - Apparatus and method for providing financial services using on-line game - Google Patents

Abstract

A method of providing financial services performed by a financial service providing device is presented, which includes providing a user with an online game that other users can access at the same time; providing a virtual financial service using game currency used in the online game to the user within the online game; Recording usage details of virtual financial services for the user in a blockchain; When an event that converts the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using usage details registered in the blockchain; It includes providing the real financial service to the user according to verified service contents.

Description

Apparatus and method for providing financial services using online games {APPARATUS AND METHOD FOR PROVIDING FINANCIAL SERVICES USING ON-LINE GAME}

Embodiments disclosed in this specification relate to an apparatus and method for providing financial services using online games that provide reliable financial services even within online games using blockchain technology.

As the performance of information processing devices improves and communication technology develops, virtual spaces are implemented online and various services are provided within them. Representative examples include game services and learning services.

Accordingly, the need for convergence of virtual and real spaces is gradually being raised. For example, the rewards provided to users in the game are converted into goods in the real economy, the real teacher evaluates the student based on the student's learning progress in the virtual space, or the next class schedule is determined. There are cases where it becomes necessary to reflect results achieved in virtual space in reality. Therefore, the boundary between online virtual space and reality is gradually becoming blurred.

However, there are many problems with indiscriminately reflecting events that occur in virtual space into the real world. Events in virtual space are recorded as data, but it is difficult to ensure the reliability of the recorded data and there is a possibility of manipulation or hacking, making it difficult to reflect it in reality.

Meanwhile, financial services are generally provided face-to-face offline or within online services provided by financial institutions. At this time, in order to receive services face-to-face, there are inconveniences such as making an appointment with a person in charge and moving to a designated location. However, within the online service, service users are provided with sufficient information about financial products that are suitable for them, or are provided with financial products optimized for them. There were some difficulties in getting a new design.

Korean Patent No. 10-1151367, “Online financial transaction authentication method and device,” specifically describes a method of performing authentication when providing financial transaction services online.

However, even this method does not solve the problems of the conventional online financial service described above.

Therefore, technology to solve the above-mentioned problems has become necessary.

Meanwhile, the above-described background technology is technical information that the inventor possessed for deriving the present invention or acquired in the process of deriving the present invention, and cannot necessarily be said to be known technology disclosed to the general public before filing the application for the present invention. .

Embodiments disclosed in this specification allow multiple users to connect and engage in activities within a virtual space through an online game, allowing free financial transactions or contracts to occur between users in the virtual space, and allowing financial transactions or contracts within the virtual space to occur. The purpose is to present a device and method for providing financial services using online games that allow contracts to be applied to real-world financial services.

In addition, embodiments disclosed in this specification provide an online game that can ensure the reliability of records of financial events that occurred in virtual space by registering and managing the ledger that records financial transactions or contracts that occurred in virtual space on the blockchain. The purpose is to present devices and methods for providing financial services.

Furthermore, in the embodiments disclosed in this specification, in reflecting financial events that occurred in virtual space into real financial services, verification is performed using ledger records registered in the blockchain, and only the verified data is reflected in reality. The purpose is to present a device and method for providing financial services using online games that can prevent victims and prevent chaos in the financial market.

Furthermore, embodiments disclosed in this specification provide financial services using online games that can solve the difficulty of finding a counterparty to enter into a financial contract within an online virtual space or recruiting parties to enter into a contract together as a group. The purpose is to present a provision device and method.

As a technical means for achieving the above-described technical problem, according to one embodiment, a financial service provision method performed by a financial service provision device includes providing a user with an online game that other users can access simultaneously; providing a virtual financial service using game currency used in the online game to the user within the online game; Recording usage details of virtual financial services for the user in a blockchain; When an event that converts the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using usage details registered in the blockchain; It includes providing the real financial service to the user according to verified service contents.

According to another embodiment, the financial service providing device includes game data for providing the online game, avatar character data for each user, information on game currency held by the user, and details of virtual financial service use by the user. a storage unit for storing; an input/output unit that provides a game screen constructed using game data stored in the storage unit to the user and receives commands or data from the user; Provides virtual financial services using game currency used in the online game to users, records the details of virtual financial service use by users on the blockchain, and converts the virtual financial services into real financial services. When an event occurs, a control unit verifies the service content to be reflected in the real financial service using the usage history registered in the blockchain and provides the real financial service to the user according to the verified service content. It can be included.

According to another embodiment, a computer-readable recording medium on which a program for performing a method of providing financial services is recorded, wherein the method of providing financial services includes the steps of providing a user with an online game that other users can access simultaneously; providing a virtual financial service using game currency used in the online game to the user within the online game; Recording usage details of virtual financial services for the user in a blockchain; When an event that converts the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using usage details registered in the blockchain; It may include providing the real financial service to the user according to the verified service contents.

According to another embodiment, in a computer program performed by a financial service providing device and stored in a medium to perform a financial service providing method, the financial service providing method provides a user with an online game that other users can access simultaneously. steps; providing a virtual financial service using game currency used in the online game to the user within the online game; Recording usage details of virtual financial services for the user in a blockchain; When an event that converts the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using usage details registered in the blockchain; It may include providing the real financial service to the user according to the verified service contents.

According to one of the means for solving the above-mentioned problems, multiple users are connected through online games and can engage in activities within a virtual space, thereby allowing free financial transactions or contracts to occur between users in the virtual space, and allowing financial transactions within the virtual space. It is possible to present a device and method for providing financial services using online games that allow transactions or contracts to be applied to real-life financial services.

According to one of the means for solving the above-mentioned problems, an online game that can ensure the reliability of records of financial events that occurred in virtual space by registering and managing the ledger that records financial transactions or contracts that occurred in virtual space on the blockchain. A device and method for providing financial services using can be presented.

According to one of the means for solving the above-described problem, in reflecting financial events that occurred in virtual space into real financial services, verification is performed using ledger records registered in the blockchain, and only verified data is reflected in reality. Thus, it is possible to present a device and method for providing financial services using online games that can prevent victims and chaos in the financial market.

Furthermore, according to one of the means for solving the above-described problem, an online game can be used to solve the difficulty of finding a counterparty to conclude a financial contract within an online virtual space or recruiting parties to conclude a contract together as a group. Devices and methods for providing financial services can be presented.

The effects that can be obtained from the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned are clear to those skilled in the art to which the disclosed embodiments belong from the description below. It will be understandable.

FIG. 1 is a block diagram illustrating the schematic configuration of a financial service providing device according to an embodiment.
FIG. 2 is a diagram illustrating a network configuration including a financial service providing device according to an embodiment.
3 to 6 are flowcharts showing a step-by-step method of providing financial services according to an embodiment.

Below, various embodiments will be described in detail with reference to the attached drawings. The embodiments described below may be modified and implemented in various different forms. In order to more clearly explain the characteristics of the embodiments, detailed descriptions of matters widely known to those skilled in the art to which the following embodiments belong have been omitted. In addition, in the drawings, parts that are not related to the description of the embodiments are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a configuration is said to be “connected” to another configuration, this includes not only cases where it is ‘directly connected’, but also cases where it is ‘connected with another configuration in between’. In addition, when a configuration “includes” a configuration, this means that other configurations may be further included rather than excluding other configurations, unless specifically stated to the contrary.

Hereinafter, embodiments will be described in detail with reference to the attached drawings.

FIG. 1 is a block diagram showing a schematic configuration of a financial service providing device according to an embodiment, and FIG. 2 is a diagram showing a network configuration including a financial service providing device according to an embodiment.

Here, the financial service providing device 100 can provide an online game that can be accessed simultaneously to a plurality of users and manage each user's game assets within the online game. And the financial service providing device 100 can provide virtual financial services and real financial services using each user's game assets. Here, the virtual financial service refers to a financial service limited to the virtual space provided by the financial service providing device 100, such as allowing users to rent or trade game assets or enter into financial contracts related to game assets. These virtual financial services can be provided using game goods. Meanwhile, real financial services are services provided by actual financial institutions to users, for example, normal financial services provided by banks, securities companies, and insurance companies.

Additionally, the financial service providing device 100 can link virtual financial services and real financial services and apply events occurring within the virtual financial service to real financial services. For example, the financial service providing device 100 provides a banking service to a user within an online game, deposits at least a portion of the game goods held by the user into the user's account opened at a virtual bank, and then deposits the deposited game goods. Game goods can be converted into cash and deposited into a real-world bank account at the user's request. Alternatively, a virtual financial service is provided that allows users to rent game assets from other users and retrieves the rented game assets at a predetermined time. However, if the game assets cannot be recovered, they must be collected from the user's bank account. By recovering the amount of cash corresponding to the game assets and paying it to other users as cash or game assets, it is possible to link real and virtual financial services.

Here, the game asset may include, for example, virtual currency such as game currency used in the game, or virtual goods such as game items.

As described above, the financial service providing device 100 is a device that provides online games and virtual and real financial services to users within the online game, and is implemented as a system comprised of information processing devices for this. You can. For example, as shown in FIG. 2, the financial service providing device 100 includes an electronic terminal 101 used by each user, and a server 102 that communicates with the electronic terminal to provide the service - It can be implemented as a client system.

At this time, the electronic terminal 101 may be implemented as a computer, a portable terminal, a television, a wearable device, etc. that may include an interface that allows interaction with the user. Here, the computer includes, for example, a laptop, desktop, laptop, etc. equipped with a web browser, and the portable terminal is, for example, a wireless communication device that guarantees portability and mobility. , PCS (Personal Communication System), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), GSM (Global System for Mobile communications), IMT (International Mobile Telecommunication)-2000, CDMA (Code) All types of handhelds such as Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet), Smart Phone, Mobile WiMAX (Mobile Worldwide Interoperability for Microwave Access), etc. (Handheld)-based wireless communication device may be included. Additionally, television may include IPTV (Internet Protocol Television), Internet TV (Internet Television), terrestrial TV, cable TV, etc. Furthermore, a wearable device is a type of information processing device that can be worn directly on the human body, such as a watch, glasses, accessories, clothing, or shoes, and can connect to a remote server or other terminal via a network directly or through another information processing device. can be connected to

Additionally, the server 102 may be implemented as a computer capable of communicating over a network with an electronic terminal installed with an application or web browser for user interaction, or may be implemented as a cloud computing server. Additionally, the server may include a storage device capable of storing data, or may store data through a third party server.

Meanwhile, as described above, when the financial service providing device 100 is implemented as a server-client, a third-party server operated by a financial institution that provides actual financial services may be included in the network shown in FIG. 2. In this case, the financial service providing device 100 may communicate with a third-party server of a financial institution through a network to ensure that financial events occurring through virtual financial services are reflected in real financial services. This will be described later.

If the specific configuration of the financial service providing device 100 is described in more detail with reference to FIG. 1, the financial service providing device 100 may include a storage unit 110.

The storage unit 110 specifically stores various data for providing online games to users. The storage unit 110 may store data about the virtual space where the online game will be played, for example, data about various game objects forming the virtual space, as well as data about various characters who will be active within the online game. At this time, the game character may include non-player characters (hereinafter referred to as ‘NPC’) in the game or characters of users. At this time, the user's character is a character selected by each user and represents the user in the virtual space. The storage unit 110 may store other game scenarios, game items, data for progressing missions or events within the game, etc.

Meanwhile, the storage unit 110 stores the user identifier (hereinafter referred to as 'ID') assigned to each user, and the user's game information associated with the user ID, such as the user's character information and game assets held by the user. Information, information on items owned by the user, etc. can be stored. Here, the game asset may include game currency used in the online game provided by the financial service providing device 100, as described above, and below, the game currency is expressed as ‘coin’ for convenience of explanation.

Furthermore, the storage unit 110 may store qualification information granted to the user in association with the user ID. Within the financial service provision device 100, some users may be classified as entities that provide financial services on behalf of banks, insurance companies, etc., and accordingly, the storage unit 110 may provide information about qualifications as financial experts for some users. By storing it in association, you can distinguish it from other users. At this time, in order to grant qualifications to a specific user, the financial service providing device 100 may undergo a predetermined authentication process, which will be described later.

Meanwhile, the storage unit 110 may at least temporarily store related data in the process of providing virtual financial services in an online game. Through this, data about the use of financial services can be recorded on the blockchain. For example, when a user with expert qualifications transmits and receives messages related to financial services with another user, the storage unit 110 may at least temporarily record messages transmitted and received between users. Additionally, when a financial contract is concluded between users in an online game, the storage unit 110 records the contract details at least temporarily, thereby allowing the contract details to be registered in the blockchain when the contract is concluded. Furthermore, the storage unit 110 records financial transaction details between users at least temporarily, so that the financial transaction details may be registered in the blockchain at a later date. For example, when a specific user exchanges coins with another user, the coin transaction details may be temporarily recorded in the storage unit 110 before being recorded in the blockchain.

Meanwhile, the financial service providing device 100 may include an input/output unit 120. The input/output unit 120 is a component for interacting with the user, and can provide the user with a certain graphical user interface and receive user commands through this. To this end, the input/output unit 120 may include an input unit that receives user input and an output unit that displays a game screen or various graphic user interfaces.

Specifically, the input unit may include devices that can receive various types of user input, such as a keyboard, physical button, touch screen, camera, or microphone. Additionally, the output unit may include a display panel, speaker, or headset. However, the input/output unit 120 is not limited to this and may include a configuration that supports various inputs and outputs.

The input/output unit 120 can output a game screen constructed using data stored in the storage unit 110 and receive commands from the user in real time in response to the output screen. In particular, the input/output unit 120 configures a game screen in which a plurality of users are active in a virtual space, and can receive commands from individual users through this.

Additionally, the input/output unit 120 may provide a graphical user interface that allows users to exchange text, images, documents, etc. with each other as messages or to have real-time voice or video conversations. That is, the input/output unit 120 can mediate conversations between users.

Furthermore, the input/output unit 120 may provide users with a graphical user interface that allows them to use virtual financial services. For example, allowing game assets to be traded or rented between users, allowing financial contracts to be concluded between general users and users with expert qualifications, or allowing two or more general users to form a group and have expert qualifications. A graphical user interface may be provided that allows financial contracts to be concluded between assigned users, or allows two or more general users to enter into financial contracts with each other as a group. The graphical user interface that allows the use of such virtual financial services includes, for example, an icon for selecting the type of financial service, a field for entering item information corresponding to the type of financial service selected, and the entered item. A button may be included to confirm the contents of the financial service according to the information.

For example, when user A wants to use a financial service that rents coins from user B, the input/output unit 120 allows user A to select a service type corresponding to coin lending, the amount of coins to be rented, and the rental amount. Item information such as period and rental price can be entered, and a graphical user interface can be provided to users A and B that allows users A and B to agree to rent game coins according to the item information.

Furthermore, the financial service providing device 100 may include a communication unit 130. The communication unit 130 may include a communication module that supports at least one of various wired and wireless communication methods. For example, a communication module may be implemented in the form of a chipset.

The communication unit 130 can communicate with other devices through the network (N). For example, the communication unit 130 may communicate with a third-party server of the financial institution described above. Accordingly, virtual financial services and real financial services can be linked. For example, when a random user's coins are insufficient, the communication department 130 deducts the amount of cash corresponding to the insufficient coins from the actual bank account registered in advance by the user and uses a third party of the financial institution to fill in the insufficient coins. By communicating with the server, withdrawals from the user's bank account can be processed.

Also, for example, if the monthly payment for the insurance subscribed by the user is set to be deducted from the coins held by the user, the communication unit 130 deducts the coins held by the user when the withdrawal date of the monthly payment arrives each month and then deducts the coins held by the user from the coins held by the user. Information on whether monthly payments have been paid can be transmitted to the party server.

At this time, the wireless communication supported by the communication unit 130 may be, for example, Wi-Fi (Wireless Fidelity), Wi-Fi Direct, Bluetooth, UWB (Ultra Wide Band), or NFC (Near Field Communication). Additionally, wired communication supported by the communication unit 130 may be, for example, USB or HDMI (High Definition Multimedia Interface). Additionally, the communication unit 130 may transmit data or messages to a destination through the Internet or a mobile communication network.

Meanwhile, the financial service providing device 100 may include a control unit 140. The control unit 140 controls the overall operation of the financial service providing device 100 and may include a processor such as a CPU.

The control unit 140 can read data stored in the storage unit 110 or write new data into the storage unit 110. Additionally, the control unit 140 can run programs stored in the storage unit 110 to provide online games and financial services to users.

Specifically, when users want to access the service provided by the financial service providing device 100 and play an online game, the control unit 140 grants the user a user ID and allows the user to select a character to be the user's avatar. can do. At this time, the character can be expressed as a two-dimensional or three-dimensional graphic image, and the user can select one of a plurality of preset types of characters or create a character by combining elements that make up the graphic image of the character.

At this time, the control unit 140 may have the user perform authentication using a distributed identity identifier (hereinafter referred to as ‘DID (Decentralized Identifier)’) so that the user ID matches in advance with the user who is an actual natural person. Furthermore, by transmitting the user ID of the online game to DID User Agents installed on the user's electronic terminal, the user ID in the game can be included as identity information in the user's DID identity certificate (DID Attestations). Through this, the user can prove his/her identity as a natural person while playing an online game and check the user's user ID if necessary when reflecting the usage history of virtual financial services to real financial services. For example, when a user enters into a financial contract that can be converted into a real financial contract within an online game, the user's identity as an actual natural person can be confirmed by having the user perform DID authentication.

Additionally, the control unit 140 may perform additional authentication on some of the users to grant the users qualifications as financial experts, that is, as providers of virtual financial services provided in the online game space. At this time, the control unit 140 causes the user to perform qualification authentication by including information such as whether he or she is employed at a financial institution and related certificates in the DID identity certificate, and provides information such as certified certificates or affiliated financial institutions to the user. It can be included in the avatar character information and displayed to other users.

Furthermore, the control unit 140 can record the financial service provision performance of a qualified user and provide the performance information along with the user's avatar information to other users.

Hereinafter, as described above, users who have proven their qualifications as providers of financial services on behalf of financial institutions will be classified as ‘expert users’.

Meanwhile, the control unit 140 can provide users with a large-scale multi-player game in a virtual space. Multiple users can play the game together within the same virtual space. At this time, the game may be a role-playing game, but is not necessarily limited to this. The control unit 140 can provide a game in a way that allows mutual interaction between users. To this end, it can enable real-time conversation between users using text or audio, and can provide documents, images, etc. between users. exchange of data can be made possible.

At this time, the control unit 140 allows users to search for other users or expert users, select the avatar character of the searched user, and request a conversation. Furthermore, the control unit 140 can allow users to designate other users and use financial services for which the designated user is the party.

Additionally, the control unit 140 may group users into one group and allow users in the group to use one financial service together or to use the same financial service at the same time. For example, the control unit 140 may collect a certain amount of coins at a set period among users belonging to one group and enter into a financial contract such as a 'system' to pay to one user and provide financial services accordingly. In addition, users belonging to one group can negotiate contract terms with other expert users and conclude a virtual insurance contract, such as P2P insurance.

To this end, the control unit 140 can manage multiple users by grouping them into one financial group. At this time, one user may belong to multiple different financial groups. For example, a random user forms group A with other users and operates a virtual system of mutual aid by exchanging coins with each other, and at the same time forms group B with other users and receives coins through negotiation with expert users. You can use it to sign a virtual insurance contract experienced within a virtual space.

Meanwhile, the control unit 140 may provide a banking service that operates a virtual financial account that can be linked to a real financial account in order to provide virtual financial services and link them with real financial services. At this time, banking services can be operated after an expert user corresponding to an actual banker proves his or her qualifications. Accordingly, a plurality of different banking services may be provided within the online game of the financial service providing device 100.

Here, the banking service can be a virtual financial service for coins used in online games, such as depositing coins held by the user into a user account in a virtual bank opened by requesting an expert user, or renting coins from an expert user. there is. At this time, for example, each expert user can earn interest by paying interest in coins in proportion to the amount of coins the user has deposited in the virtual bank or by lending the coins deposited by the users to other users.

Additionally, when a user opens and uses a virtual account using a banking service, the control unit 140 may have the user request an expert user to open an account at an actual bank operated by the financial institution to which the expert user belongs. In this case, the expert user requests to perform the DID authentication process of the user who requested to open a real account through the financial service provision device 100, and according to the authentication result, requests the financial institution's third-party server to open an account with the user's identity. You can. Accordingly, the opened actual bank account can be set to be linked with the virtual bank account.

Additionally, the control unit 140 can receive bank account information already held by the user and link it with the user's virtual account.

Afterwards, the control unit 140 can record the user's banking service transaction details through the virtual account in the blockchain.

In addition, the control unit 140 can record the user's usage details of virtual financial services in the ledger at regular intervals or whenever new usage details occur and register them in the blockchain. To this end, the control unit 140 can manage a plurality of nodes and store the blockchain in each node. For example, in the financial service providing device 100, each electronic terminal 101 corresponding to a client may become a node where the blockchain is recorded.

The control unit 140 can record data on the user's virtual financial service usage history in the ledger and register it in the blockchain. Here, the financial service usage details may include, for example, the user's banking service usage details as described above. At this time, the user's transaction history with expert users may be recorded in the blockchain.

Additionally, the control unit 140 can also record coin transaction details between general users in the blockchain.

Furthermore, the control unit 140 controls financial contracts between users, for example, specific contract provisions such as a contract for renting coins, a contract for renting items, or a contract constituting a system, and financial contracts between users and expert users, e.g. For example, contract conclusion details, including detailed conditions of a virtual insurance contract, contract conclusion time, and information on the contracting parties, can be recorded on the blockchain. Additionally, the control unit 140 can record information on the details of contract fulfillment between users in the blockchain after the contract is made.

At this time, when the user uses a financial service or records the usage details of the financial service on the blockchain, the control unit 140 causes the user to perform DID authentication and uses the user's DID, that is, a distributed identity identifier, for financial transactions or contracts. It can be recorded in the ledger as party information. Through this, when converting virtual financial services into real financial services in the future, it is possible to specify the target of real financial services as a natural person.

Furthermore, the control unit 140 can record conversation data between parties to a financial transaction or contract in the ledger when the usage details of virtual financial services are recorded in the blockchain. In particular, when a financial contract is concluded between an expert user and a general user, the control unit 140 can register the conversation details between the two together in the blockchain.

Meanwhile, when recording a virtual financial contract on the blockchain, the control unit 140 can ensure that the program code corresponding to the contract terms is recorded on the blockchain as well. That is, the control unit 140 can manage virtual financial contracts through blockchain using smart contract technology. Accordingly, the control unit 140 can periodically execute the program code recorded in the blockchain so that the actual contract provisions are automatically performed. For example, if a contract is concluded in which user B rents an item owned by user A for one month and user A receives 10 coins per day from user B, the control unit 140 rents 10 coins from user B's coins every day. is deducted and 10 coins are paid to User A. After one month has passed, User B's items can be retrieved and delivered to User A.

Meanwhile, when an event that converts a virtual financial service into a real financial service occurs, the control unit 140 can use the usage history registered in the blockchain to verify the service contents to be reflected in the real financial service.

For example, when a user requests to convert 5,000 coins deposited in a virtual bank account into cash, the control unit 140 checks the balance information of the user's virtual bank account recorded in the blockchain and converts the actual 5,000 coins. You can check whether it is within the available amount. At this time, the control unit 140 can allow the user to perform DID authentication even when the user requests a switch to a real financial service. Next, the control unit 140 can convert 5000 coins into cash if it corresponds to the convertible amount and deposit it into a pre-linked real bank account.

At this time, depending on the embodiment, the request for coin conversion may occur outside of the service provided by the financial service providing device 100. For example, the user may request to convert at least some of the coins deposited in the virtual account within the financial service provision device 100 into cash within the actual bank's online service, and operate the bank's online service accordingly. The third-party server requests the financial service provision device 100 to check the coin balance on the user's virtual account using the user's DID, or checks the coin balance on the user's virtual account in the blockchain registered in the node. can be verified.

Meanwhile, the control unit 140 may receive a request to convert a virtual financial contract into a real financial contract from a user who is a party to the contract. For example, a request may be received to convert a hypothetical insurance contract into a real insurance contract provided by an actual insurance company.

In this case, the control unit 140 can verify the contract provisions requested by the user to be converted to a real insurance contract through the contract conclusion records recorded in the blockchain and then transmit them to the insurance company's third-party server. Alternatively, the control unit 140 may deliver the contract provisions requested by the user to be converted to an actual insurance contract to the insurance company and have the insurance company's server verify the contract provisions using the blockchain registered in the nodes.

Meanwhile, even without a user's request, the control unit 140 can link a virtual financial service with a real financial service when preset conversion conditions are completed. For example, a coin rental contract is concluded between users, If the coin is not repaid, the contract may be concluded on the condition that it be repaid in cash instead. In this case, the control unit 140 reports that a conversion event has occurred if the loan is not repaid at the time of return of the loan, and cash amount corresponding to the unrepaid loan is received from the real bank account registered in advance for the user who is obligated to return the loan. can be paid.

Hereinafter, with reference to FIGS. 3 to 6, a method of providing financial services performed by the above-described financial service providing device 100 will be described. 3 to 6 are diagrams showing a step-by-step method of providing financial services according to an embodiment.

The method of providing financial services according to the embodiment shown in FIGS. 3 to 6 includes steps processed in time series in the financial service providing device 100 shown in FIGS. 1 and 2. Therefore, even if the content is omitted below, the content described above regarding the financial service providing device 100 shown in FIGS. 1 and 2 can also be applied to the financial service providing method according to the embodiment shown in FIGS. 3 to 6. You can.

First, as shown in FIG. 3, the financial service providing device 100 provides online game services to users (S310). Although the content of the game is not limited, coins, a virtual currency, can be circulated as game goods within the game, and a game is provided in which multiple users can access simultaneously. At this time, the coin may be paid to the user as a reward within the game service or purchased with cash.

And the financial service providing device 100 provides virtual financial services within the online game (S320). Specifically, the financial service providing device 100 may allow the user to specify other users who are counterparties to a financial transaction or contract and select the content of the financial service they wish to use. For example, transactions such as trading or renting coins, trading or renting items in exchange for coins, entering into a contract for the use of financial products, signing up for a system to exchange coins between users, or signing up for insurance. You can choose a contract type.

Accordingly, when the user uses a financial service, the contents of the used financial service, user information, time information, etc. can be stored at least temporarily as the financial service use history (S330).

Subsequently, the financial service providing device 100 may register data on financial service use history in the blockchain (S340). At this time, the blockchain is managed in a distributed manner, and the financial service providing device 100 can record the blockchain using the electronic terminal of each game user as a node.

Meanwhile, when a request for provision of a real financial service related to a virtual financial service occurs or the conditions for conversion to a real financial service are completed (S350), the financial service provision device 100 blocks the contents of the financial service to be provided in reality. After verification based on the financial service usage history recorded in the chain (S360), actual financial services are provided according to the verified service contents (S370).

Specific examples of the embodiments described above will be further described with reference to FIGS. 5 and 6 later.

Meanwhile, as shown in FIG. 4, when a user applies for subscription to use an online game service provided by the financial service providing device 100 (S410), the financial service providing device 100 provides financial service information to identify the user. The providing device 100 generates a user ID to be used (S410), and the generated user ID can be issued to the user's electronic terminal or displayed to the user.

Additionally, the financial service providing device 100 may allow the user to create a desired character as an avatar (S430). Accordingly, the user has a virtual experience using his or her avatar in the virtual space of the online game provided by the financial service providing device 100 and is also provided with virtual financial services.

Subsequently, the financial service providing device 100 may request the user to perform identity authentication using the DID (S440). Accordingly, when the user authenticates himself using the DID identity certificate and the authentication is successful (S450), the financial service providing device 100 provides the user ID to the DID user agent installed on the user's electronic terminal (S460), The user ID can be registered in the user's DID identity certificate (S470).

At this time, the financial service providing device 100 may request identity authentication using the DID only when the user uses the financial service.

Meanwhile, as shown in FIG. 5 , in a specific embodiment of the financial service providing method performed by the financial service providing device 100, the financial service providing device 100 may provide an online game to users (S510).

And the financial service providing device 100 can mediate a conversation so that users can talk to each other (S520). In addition to message-based conversations, real-time conversations through voice or video calls can be made possible, and three or more users can talk together. At this time, users can use their respective avatar characters in the virtual space to select other users' avatar characters and request and communicate with them. As a result, users can fully communicate and exchange information related to financial services even if they do not face each other. In particular, as explained earlier, conversations between users and expert users can be recorded and then registered on the blockchain.

Meanwhile, the financial service providing device 100 may mediate virtual financial transactions between users (S520). For example, a random user may pay a coin to an expert user corresponding to a banker and request the coin to be deposited in a virtual bank account, and the financial service providing device 100 deducts the user's coin accordingly and deposits the coin in the virtual bank account. You can have your coins deposited in your bank account. Accordingly, the financial service providing device 100 can change and record the number of coins held by the user according to the transaction history (S540).

In addition, the financial service providing device 100 can register such virtual financial service use records, that is, data on transaction details, in the blockchain so that they are distributed and recorded (S550).

Meanwhile, when the financial service providing device 100 receives a user's request for linking a virtual financial service to a real financial service, such as a request to transfer coins to the user's real bank account (S560), a block Using the chain, the actual financial service details requested by the user can be verified (S570). For example, when a user requests to convert a specified amount of coins into cash and deposit it into a bank account, the financial service provision device 100 converts the user based on the user's virtual transaction history recorded in the blockchain distributed and stored in the node. You can check whether the requested amount of coins is actually deposited in the user's virtual account. Accordingly, an amount of cash corresponding to the coin requested to be transferred may be deposited into the user's bank account (S580).

At this time, steps S560 to S580 may be performed not by the financial service providing device 100 but by a third-party server of the bank.

Meanwhile, according to another specific embodiment of the financial service provision method as shown in FIG. 6, a virtual financial contract can be converted into a real financial contract.

Specifically, the financial service providing device 100 may provide online games to users (S610), mediate conversations between users (S620), and allow users to enter into virtual insurance contracts. At this time, an insurance contract is used as an example, but the method of providing financial services is not limited to this, and all kinds of financial contracts between general users can be brokered. For example, a contract may be established where multiple users join a system, collect a certain amount of coins from each user, and pay them back to one user.

At this time, the financial service provision device 100 may select one type of a plurality of types of contracts in advance so that various types of financial contracts can be selected and related contract provisions can be set, and an entry field for the related provisions may be selected. A graphical user interface can be provided to users.

At this time, in step S630, the financial service providing device 100 may allow two or more users to set a group in order to broker a contract between two or more users. Meanwhile, in step S630, if the financial contract is an insurance contract, the financial service provision device 100 may set one contracting party as an expert user and the remaining parties as a group including one or more users.

Furthermore, the financial service providing device 100 may simply allow a financial contract to be concluded in such a way that a plurality of general users become contract parties and an expert user guarantees the contract between the plurality of general user parties. Accordingly, for example, a virtual P2P loan or P2P insurance contract can be concluded between multiple users.

Meanwhile, the financial service provision device 100 may request DID authentication of each party user when concluding a contract.

Subsequently, when the contract conclusion is completed, the financial service provision device 100 may record the contract conclusion details including the contract provisions on the blockchain (S640).

Meanwhile, in step S640, when the financial service provision device 100 records the contract conclusion details on the blockchain, it records a program code programmed to enable performance according to the contract provisions on the blockchain, so that the actual fulfillment conditions in the contract provisions are met. Once completed (S650), contractual obligations can be automatically fulfilled according to the contract provisions (S660). For example, the monthly insurance payment can be deducted from the user's coins whenever the due date approaches.

In this step S650, the financial service provision device 100 causes a situation covered by actual insurance to occur for the user's avatar character in a virtual space, and accordingly ensures that insurance money is paid according to the virtual insurance contract, etc. It is possible to provide users with a virtual experience similar to experiencing actual insurance. In other words, users can fulfill the virtual obligation to pay monthly payments with coins they have, and expert users can fulfill the obligation to pay insurance money according to situations that occur.

Accordingly, users can be provided with the experience of using virtual insurance.

Accordingly, users can request to convert a virtual insurance contract into a real insurance contract (S670). Alternatively, users may request changes to the contract terms according to the results of the virtual experience (S680). At this time, if the contract provisions are changed, the expert user can repeatedly perform the process of confirming the insurance contract details and concluding the contract, such as changing and presenting the obligations or performance conditions of the insurance contract according to the changed contract provisions (S630 to S630). S640).

When users request to convert a virtual insurance contract into a real insurance contract (S670). The financial service provision device 100 provides the contract conclusion records recorded in the blockchain to the insurance company's third-party server or expert user, and the insurance company accordingly examines the relevant insurance contract and issues an insurance policy to make the contract a reality. The process of taking effect can be performed (S690). In this process, the financial service provision device 100 can perform verification using blockchain again for the provisions of the insurance contract.

Subsequently, when an actual insurance contract is concluded, the financial service provision device 100 can perform contractual obligations according to the completion of performance conditions based on the contract conclusion history recorded in the blockchain (S700). Of course, fulfillment of contractual obligations may be accomplished outside of the services provided by the financial service provision device 100, but for example, if the monthly insurance premium is contracted to be paid in coins, the financial service provision device 100 may use the information recorded in the blockchain. Depending on the program code, you can wait for the fulfillment conditions to be completed, and when the fulfillment conditions are completed, the coins of the user who is a party to the contract can be deducted and the corresponding monthly insurance premium can be paid to the insurance company. Furthermore, even when the insurance premium is paid in coins, the financial service provision device 100 can pay the predetermined insurance premium to the user in coins upon completion of the fulfillment conditions.

The term '~unit' used in the above embodiments refers to software or hardware components such as FPGA (field programmable gate array) or ASIC, and the '~unit' performs certain roles. However, '~part' is not limited to software or hardware. The '~ part' may be configured to reside in an addressable storage medium and may be configured to reproduce on one or more processors. Therefore, as an example, '~ part' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

The functions provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or may be separated from additional components and 'parts'.

In addition, the components and 'parts' may be implemented to regenerate one or more CPUs within the device or secure multimedia card.

The method of providing financial services according to the embodiments described with reference to FIGS. 3 to 6 may also be implemented in the form of a computer-readable medium that stores instructions and data executable by a computer. At this time, instructions and data can be stored in the form of program code, and when executed by a processor, they can generate a certain program module and perform a certain operation. Additionally, computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may be computer recording media, which are volatile and non-volatile implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules, or other data. It can include both volatile, removable and non-removable media. For example, computer recording media may be magnetic storage media such as HDDs and SSDs, optical recording media such as CDs, DVDs, and Blu-ray discs, or memory included in servers accessible through a network.

Additionally, the method of providing financial services according to the embodiments described with reference to FIGS. 3 to 6 may be implemented as a computer program (or computer program product) including instructions executable by a computer. A computer program includes programmable machine instructions processed by a processor and may be implemented in a high-level programming language, object-oriented programming language, assembly language, or machine language. . Additionally, the computer program may be recorded on a tangible computer-readable recording medium (eg, memory, hard disk, magnetic/optical medium, or solid-state drive (SSD)).

Therefore, the method of providing financial services according to the embodiments described through 3 to 6 can be implemented by executing the above-described computer program by a computing device. The computing device may include at least some of a processor, memory, a storage device, a high-speed interface connected to the memory and a high-speed expansion port, and a low-speed interface connected to a low-speed bus and a storage device. Each of these components is connected to one another using various buses and may be mounted on a common motherboard or in some other suitable manner.

Here, the processor can process instructions within the computing device, such as displaying graphical information to provide a graphic user interface (GUI) on an external input or output device, such as a display connected to a high-speed interface. These may include instructions stored in memory or a storage device. In other embodiments, multiple processors and/or multiple buses may be utilized along with multiple memories and memory types as appropriate. Additionally, the processor may be implemented as a chipset consisting of chips including multiple independent analog and/or digital processors.

Memory also stores information within a computing device. In one example, memory may be comprised of volatile memory units or sets thereof. As another example, memory may consist of non-volatile memory units or sets thereof. The memory may also be another type of computer-readable medium, such as a magnetic or optical disk.

And the storage device can provide a large amount of storage space to the computing device. A storage device may be a computer-readable medium or a configuration that includes such media, and may include, for example, devices or other components within a storage area network (SAN), such as a floppy disk device, a hard disk device, an optical disk device, Or it may be a tape device, flash memory, or other similar semiconductor memory device or device array.

The above-described embodiments are for illustrative purposes, and those skilled in the art will recognize that the above-described embodiments can be easily modified into other specific forms without changing the technical idea or essential features of the above-described embodiments. You will understand. Therefore, the above-described embodiments should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope sought to be protected through this specification is indicated by the patent claims described later rather than the detailed description above, and should be interpreted to include the meaning and scope of the claims and all changes or modified forms derived from the equivalent concept. .

100: Financial service provision device
110: storage unit 120: input/output unit
130: communication unit 140: control unit

Claims (16)

Carried out by a financial service provider using online games,
Providing a user with an online game that other users can access simultaneously;
providing a virtual financial service using game currency used within the online game to the user within the online game using a user ID related to the game;
Recording usage details of virtual financial services for the user in a blockchain;
When an event occurs that links the virtual financial service and the real financial service and converts the virtual financial service into the real financial service, the usage history registered in the blockchain can be used to reflect the real financial service. Verifying service contents;
Providing the real financial service to the user according to verified service contents,
The step of providing the online game includes mediating a conversation between the user and the other user,
The step of providing the virtual financial service includes brokering the conclusion of a virtual financial transaction or financial contract between the user and the other user, and entering into a virtual financial transaction or financial contract between the user and the other user. Authenticating the identities of the user and the other users by using distributed identity identifiers of the user and the other users to match the user ID for the game with the identity of the user,
The step of providing the real-world financial service includes confirming a user ID related to the game matched to the user's identity through the distributed identity identifier. According to paragraph 1,
The step of providing the online game is,
Providing the user's avatar character and the other user's avatar character in a virtual space; and
A method of providing financial services, including the step of mediating a conversation between the user and the other user when the user selects the avatar character of the other user. According to paragraph 1,
The step of authenticating the identity is,
By transmitting the user ID for the game used in the online game to the distributed identity identifier user agent installed on the user's electronic terminal, the user ID for the game in the user's distributed identity identifier identity certificate is the user's identity information. Methods of providing financial services, including as. delete According to paragraph 1,
The step of recording the usage details in the blockchain is,
Providing financial services, comprising recording data on at least one of virtual financial transaction details between the user and the other user, financial contract conclusion details, and financial contract execution details in a ledger and registering it in the blockchain. method. According to clause 5,
The event that converts the virtual financial service into the real financial service is,
A method of providing a financial service, which is generated by a conversion request from the user or another user or completion of a preset condition to convert the virtual financial service into the real financial service. According to clause 6,
If the other user is a certified professional representing a real-life financial institution,
The step of providing the actual financial services is,
A method of providing financial services, comprising converting a virtual financial transaction or financial contract between the user and the other user into a financial transaction or financial contract between the user and the financial institution. In clause 7,
The step of providing the actual financial services is,
Based on the financial transaction history between the user and the other user, converting at least a portion of the game currency deposited in the user's virtual account into cash and transferring it to the user's account at the financial institution, How to provide financial services. In clause 7,
The step of providing the actual financial services is,
A method of providing financial services, comprising the step of making a virtual financial contract effective as a financial contract between the user and the financial institution, based on details of financial contract conclusion between the user and the other user. According to clause 9,
The step of providing the actual financial services is,
If the virtual financial contract is a virtual insurance contract, making the virtual insurance contract effective as an insurance contract for the user based on financial contract conclusion details between the user and the other user; and
Comprising the step of receiving a monthly payment from the user based on the contract provisions of the hypothetical insurance contract conclusion details,
The steps for receiving the monthly payment are:
A method of providing financial services, including the step of deducting an amount corresponding to the monthly payment amount from the game currency held by the user and paying the deducted game currency to the other user. In a device for providing financial services using online games,
a storage unit that stores game data for providing the online game, avatar character data for each user, information on game currency held by the user, and details of virtual financial service use by the user;
an input/output unit that provides a game screen constructed using game data stored in the storage unit to the user and receives commands or data from the user;
Provides virtual financial services using game currency used in the online game using the user ID related to the game to the user, records the details of virtual financial service use by the user on the blockchain, and records the virtual financial service usage history by the user in the blockchain. When an event occurs that converts the virtual financial service into the real financial service by linking financial services with real financial services, the service contents to be reflected in the real financial service are created using the usage details registered in the blockchain. It includes a control unit that verifies and provides the real financial service to the user according to the verified service contents,
The control unit,
Brokering conversations between the user and other users, brokering the conclusion of a virtual financial transaction or financial contract between the user and the other users,
When concluding a virtual financial transaction or financial contract between the user and the other user, the distributed identity identifier of the user and the other user is used to match the user ID related to the game with the identity of the user, Authenticate the user's identity,
When converted to the real financial service, a financial service providing device that verifies the user ID related to the game matched to the user's identity through the distributed identity identifier. According to clause 11,
The control unit,
When the financial transaction or financial contract is concluded, at least one of the virtual financial transaction details between the user and the other user, the financial contract conclusion details, and the performance details of the financial contract conclusion, and the contents of the conversation between the user and the other user A financial service providing device that records data on a ledger and registers it in the blockchain. According to clause 12,
The financial service provision device is,
It further includes a communication unit that communicates with a server of an actual financial institution,
The control unit,
Verify the service content to be reflected in the real financial service using the usage history registered in the blockchain, and request the provision of the real financial service to the user according to the service content verified on the server of the financial institution. A device that provides financial services. According to clause 12,
The control unit,
A financial service provision device that records the distributed identity identifiers of the user and other users as parties to a transaction or contract in a ledger registered in the blockchain. A computer-readable recording medium on which a program for performing the method according to claim 1 is recorded. A computer program performed by a financial service provision device and stored on a medium to perform the method described in claim 1.